Financing & Payment Plans

Every EM Audio sub is hand built to order, and a build can be a big purchase. You can pay all at once by card or PayPal, or spread it out with one of three providers. You pick the plan on the checkout page; the provider approves you in a minute or two, and we start your build the same as any other order.

Affirm

Monthly payments

Split the order into monthly payments — a simple loan with no hidden fees.
Rates from 0–36% APR; 0% on some plans.
Checking if you qualify won’t affect your credit score.
Orders from $50 up to $30,000.

Payment options through Affirm are subject to an eligibility check and are provided by Affirm’s lending partners: affirm.com/lenders.

Afterpay

Pay in 4

4 interest-free payments, every 2 weeks.
The first payment is taken at checkout.
Good for parts, recone kits and smaller orders.
Orders up to $4,000.

Late fees may apply and eligibility criteria apply. See afterpay.com for complete terms.

Snap Finance

Lease-to-own

Built for credit-challenged shoppers.
Approvals from $300 up to $5,000 (cart total).
A lease, not a loan: it costs more than paying cash, and paying it off early lowers the total.

Snap Finance is the lessor. Lease terms and early buyout options are shown before you sign. See snapfinance.com.

Which one fits?

I want the lowest total cost

Pay in full by card or PayPal, or use Affirm if you’re offered a 0% APR plan, or Afterpay if the order is under $4,000 and you can make 4 payments over 6 weeks.

I want a low monthly payment on a big build

Affirm. Longer terms mean smaller monthly payments; you see the exact rate and total before you accept.

My credit isn’t great

Snap Finance is designed for credit-challenged shoppers. It’s lease-to-own, so it costs more than cash — use the early buyout if you can.

Can I finance a custom or pre-order build?

Yes. The plan pays us up front like any other payment, and your build goes into the queue right away. Custom orders take a minimum of 15 business days to build and are final sale.

Can I combine items to reach a minimum?

Yes — the limits are for the whole cart. A box, wiring and a sub together can reach Snap’s $300 minimum, for example.

What happens if I return something?

Returns follow our warranty and returns policy; an approved refund goes back to your plan with the provider, not to you in cash.

Not interested in payment plans? You can hide them across the site — product pages, cart and category pages. Payment plans are currently shown.

Saved on this device, and on your account if you’re signed in. All payment methods still show at checkout.

Shop subwoofers Questions? Call (618) 362-8346 or email support@emaudio.com.